This product works to reduce your exposure to check fraud. With Positive Pay you can notify us electronically of checks authorized for payment. Each night we compare checks presented for payment against your list of authorized checks and present an exception for your review. Sweep Accounts Use excess funds to “sweep” every night to reduce your line of credit balance or to a business savings account to earn interest until those funds are needed. Merchant Services Individuals are less likely to carry cash or checks and more likely to pay for services with a credit card. Make sure that your business does not miss an opportunity to make a sale. Start up or expand your credit card processing capabilities with Pilot Bank’s Merchant Services. Secure Token Tokens are used to enhance client security. The token works like an electronic key. Protecting the integrity of your account is priority at Pilot Bank.